so hard to sort this out: PLEASE help with opinion, advice, etc.: his calculations:
outstanding loan amt: 1, 363
current amex debt: 55; he suggests paying 5/month
discover card debt: ,960; pay 3/mo.
another amex: ,282; pay 109/mo. 36 mos@12%
a 3rd (!) amex: 13; pay 3/mo.36 mos@12%
total cards to consolidate: ,510
total debt consolidated: 0,873
closing costs ,000; loan total 1,873 @ 6% 30-yr. fixed; monthly paymt. (before taxes) 70
have been in house abt. 10 yrs.; loan amt. was 0,000 from another earlier refinance. house worth ca.600k